Build funds for your futureAllow your money to earn more for you while you enjoy life’s precious moments.

Time Deposit

1PIA

Regular Time Deposit

One Year Time Deposit

USD TD

EUR TD

Minimum Placement

PHP 50,000 (30 days to one year)

PHP 1,000,000 (overnight to less than 30 days)

PHP 10,000

PHP 10,000

USD 1,000

EUR 1,000

Term

30 days to less than a year

One year

30 days to one year

30 days

Interest Crediting

Interest credited to settlement account; or added to the principal upon renewal

N/A

Documentation

Passbook

Certificate of Time Deposit

Documentary Stamp Taxes (DST)

Bank of Commerce shoulders DST unless placement is pre-terminated

N/A

Regular Time Deposit

Start building funds for your future and get better rates than a regular savings account from as short as thirty (30) days to less than a year.

One-year Time Deposit

Secure your funds for one (1) whole year and enjoy better returns than a regular savings account.

One Passbook Investment Account (1PIA)

No need to keep multiple passbooks! One passbook is all you will need to keep track of all your 1PIA accounts under the same account name. View not just the transaction amount and date, but other information you need about your placements. Get better rates than a regular time deposit from as short as one (1)- day tenor to as long as one (1) year.

US Dollar Time Deposit

Place your hard-earned dollars in a risk-free investment and let it grow from as short as thirty (30) days to one (1) year.

Euro Time Deposit

Secure your hard-earned Euros in a time deposit with an option to renew automatically, to save you the hassle of having to go to the branch every maturity, to roll over your placement. Keep track of your renewals through an electronic notification sent to your address.